Republic Bancorp, Inc. RBCAA R2K

Financial Services · Banks - Regional · United States

https://www.republicbank.com

Republic Bancorp, Inc. operates as a bank holding company for Republic Bank & Trust Company that provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. The company offers retail mortgage, commercial and industrial, CRE and multi-family, construction and land development, consumer, and aircraft loans; service charges on consumer and commercial deposit accounts, mortgage banking income, debit and credit card interchange fee income, title insurance commissions, and swap fee incomes; private banking; and lockbox processing, remote deposit capture, business online banking, account reconciliation, and automated clearing house processing services; internet banking services and products through its website; mobile banking; and other banking services. In addition, it offers short-term, revolving credit facilities to mortgage bankers across the United States through mortgage warehouse lines of credit; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; prepaid and debit solutions, such as issuing of payroll, general purpose reloadable cards, issuing of demand deposit accounts, savings accounts and/or debit cards; and consumer credit products; and consumer credit products. The company offers its services through full-services banking centers in Kentucky, Indiana, Florida, Ohio, and Tennessee. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.

Market & Price

Market Cap

$1.59B

Current Price

$80.95

High / Low (52W)

$80.95 / $64.10

Beta

0.58

Valuation

Stock P/E

12.49

Industry PE

12.01

Forward P/E

12.23

PEG Ratio

1.27

Book Value

$56.41

Price to Book

1.44

P/S

4.26

EV/EBITDA

Dividend Yield

2.45%

Profitability & Returns

ROCE

ROE

11.68%

ROA

1.77%

Profit Margin

33.99%

Op Margin

53.65%

EPS (Latest Qtr)

$2.18

EPS (TTM)

$6.48

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$486.30M

Total Assets

$7.04B

Current Assets

Working Capital

Ownership

Promoter Holding

51.55%

Chg in Prom Hold

FII / Inst Holding

30.37%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$1.47B

Total Revenue (TTM)

$372.51M

EBITDA

Free Cash Flow

Operating Cash Flow

$152.12M

Shares Outstanding

17.48M

Gross Margin

0.00%

Payout Ratio

28.52%

Growth (CAGR)

Revenue 5Y

10.02%

Profit 5Y

12.96%

Revenue (YoY)

-11.30%

Earnings (YoY)

-10.10%

PROS

Excellent profit margin of 34.0%.
Compounding revenue at 10.0% over 5 years.
Profit CAGR of 13.0% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	RBCAA Republic Bancorp, Inc. R2K	80.95	12.49	$1.59B	2.45%	-	11.68%	10.02%	12.96%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	81.36M	56.06M	58.68M	-	95.21M	65.38M	64.50M	-	99.72M	69.07M	68.30M	-	103.31M	67.50M	71.45M	-	96.82M	71.95M	71.95M	-	94.18M	82.38M	73.70M	115.32M	84.18M	79.17M	120.29M	86.88M	88.12M	-	134.21M	92.36M	91.90M	92.66M	119.01M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	27.15M	26.00M	26.27M	24.42M	23.34M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	59.96M	40.39M	37.76M	27.59M	55.38M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	12.69M	8.91M	8.02M	4.77M	12.82M
Net Income	7.42M	17.73M	8.34M	9.83M	10.00M	20.02M	10.07M	10.71M	4.84M	27.47M	15.67M	17.41M	17.31M	29.52M	18.01M	18.41M	25.77M	26.70M	15.80M	20.39M	20.36M	26.05M	23.96M	20.38M	17.22M	28.35M	24.35M	19.90M	28.09M	21.05M	21.57M	30.61M	25.21M	26.54M	-	47.27M	31.48M	29.74M	22.82M	42.57M
Diluted EPS	-	0.77	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.42	1.61	1.52	1.17	2.18

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	289.48M	311.13M	319.37M	-	308.73M	354.27M	378.96M	411.12M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	7.49M	67.28M	120.83M	103.84M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	116.84M	113.21M	127.70M	165.71M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	25.74M	22.84M	26.33M	34.39M
Net Income	42.13M	64.75M	94.15M	119.34M	25.42M	28.79M	35.17M	45.90M	45.63M	77.85M	91.70M	83.25M	-	91.11M	90.37M	101.37M	131.32M
Diluted EPS	-	-	-	-	-	-	-	-	-	-	-	-	-	4.59	4.62	5.21	6.72

Compounded Sales Growth

5 Years:	10.02%
1 Year:	-11.30%

Compounded Profit Growth

5 Years:	12.96%
1 Year:	-10.10%

Stock Price Performance

1 Year:	+21.19%
6 Months:	+18.84%
3 Months:	+18.17%
1 Month:	+7.99%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	3.62B	3.42B	3.39B	3.37B	3.75B	4.23B	4.82B	5.09B	5.24B	5.62B	6.17B	-	-	6.17B	-	-	-	5.84B	6.59B	6.85B	7.04B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	616.30M	1.07B	786.37M	362.97M	137.69M	170.86M	72.88M	210.08M	289.31M	299.35M	351.47M	385.30M	485.59M	-	-	756.97M	-	-	-	313.69M	316.57M	432.15M	219.97M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10.39M	87.53M	92.19M	19.80M
Total Liabilities	-	-	3.25B	2.97B	2.86B	2.83B	3.19B	3.65B	4.21B	4.45B	4.55B	4.86B	5.35B	5.34B	5.35B	5.26B	5.51B	5.27B	5.16B	4.98B	5.68B	5.85B	5.94B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	95.00M	380.00M	395.00M	506.00M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	132.81M	415.54M	432.12M	538.37M
Total Equity	275.92M	316.02M	371.38M	452.37M	536.70M	542.79M	558.73M	576.55M	604.41M	632.42M	689.93M	764.24M	823.32M	845.13M	839.07M	835.05M	841.58M	843.87M	843.06M	856.61M	912.76M	992.03M	1.10B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19.74M	19.36M	19.45M	19.54M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	72.08M	89.23M	123.60M	86.28M	22.26M	26.70M	50.05M	47.67M	77.78M	119.21M	105.19M	75.43M	-	154.79M	108.53M	149.00M	168.21M
Investing Cash Flow	447.12M	-8.33M	-279.16M	995.28M	43.55M	-470.89M	-358.21M	-296.13M	-287.11M	-121.53M	-435.21M	-422.02M	-	-254.51M	-516.95M	-181.03M	-436.12M
Financing Cash Flow	-67.32M	-362.71M	-267.84M	-1.31B	-32.64M	346.20M	445.37M	327.69M	219.38M	54.45M	363.85M	446.87M	-	-343.56M	411.30M	147.61M	55.73M
Capital Expenditure	-3.99M	-4.27M	-3.73M	-3.89M	-5.02M	-7.76M	-5.32M	-7.03M	-12.38M	-9.82M	-12.88M	-3.58M	-	-3.50M	-6.90M	-5.81M	-7.10M
Free Cash Flow	68.09M	84.97M	119.88M	82.39M	17.23M	18.95M	44.73M	40.64M	65.39M	109.39M	92.30M	71.85M	-	151.29M	101.64M	143.19M	161.11M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-443.28M	2.88M	115.58M	-212.18M
Share Buybacks	868.00K	390.00K	492.00K	1.67M	4.09M	347.00K	551.00K	1.21M	1.05M	827.00K	1.42M	3.94M	47.53M	12.58M	20.28M	-	72.00K
Dividends Paid	10.38M	11.36M	12.31M	36.12M	14.01M	14.93M	15.84M	16.77M	17.66M	19.50M	21.38M	23.20M	24.70M	26.14M	28.35M	30.51M	33.85M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	26.9%	29.5%	26.1%	-	29.5%	25.5%	26.7%	31.9%
ROE %	13.3%	17.4%	20.8%	22.2%	4.7%	5.2%	6.1%	7.6%	7.2%	11.3%	12.0%	10.1%	-	10.6%	9.9%	10.2%	11.9%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

51.55%

Institutions

30.37%

Public Float

62.68%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Dimensional Fund Advisors LP	5.31%	928.37K	$75.15M
2	Blackrock Inc.	4.34%	758.92K	$61.43M
3	Vanguard Capital Management LLC	2.18%	381.74K	$30.90M
4	Morgan Stanley	2.00%	350.04K	$28.34M
5	American Century Companies Inc	1.73%	302.29K	$24.47M
6	State Street Corporation	1.49%	261.27K	$21.15M
7	Geode Capital Management, LLC	1.38%	241.75K	$19.57M
8	Gendell, Jeffrey L.	0.82%	142.92K	$11.57M
9	Bridgeway Capital Management, LLC	0.73%	127.61K	$10.33M
10	Vanguard Portfolio Management LLC	0.60%	104.99K	$8.50M

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RBCAA · Financial Services